What are the current interest rates at Picatinny Federal Credit Union?

Current rates for Picatinny Federal Credit Union include: 12-Month CD: 3.61%, 18-Month CD: 3.66%, 24-Month CD: 3.56%, 60-Month CD: 3.56%, MMA: 0.15%

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Picatinny Federal Credit Union

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Picatinny Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Picatinny Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Picatinny Federal Credit Union's 18 month CD rates are at 3.66%, 18 month IRA CD rates are at 3.66%, 12 month CD rates are at 3.61%, 12 month IRA CD rates are at 3.61%, 24 month CD rates are at 3.56%. Picatinny Federal Credit Union's money market rates are at 0.15%. Picatinny Federal Credit Union's 3/1 Year ARM rates are at 5.62%, 5/1 Year ARM rates are at 5.88%, 7/1 Year ARM rates are at 6.00%, 10/1 Year ARM rates are at 6.12%. Picatinny Federal Credit Union's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Picatinny Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.60%. Rates last updated and verified on 08/28/2026.

Picatinny Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Picatinny Federal Credit Union? Share your experience about Picatinny Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Picatinny Federal Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.60%

Excellent Lower than avg

Picatinny Federal Credit Union
Rockaway Office

100 Mineral Springs RD
Dover, NJ 07801

https://www.picacreditunion.com

Picatinny Federal Credit Union CD Rates

Product	Rate	APY	Term
18 month share certificate	3.60%	3.66%	18 month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
18 month IRA share certificate	3.60%	3.66%	18 month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
12 month share certificate	3.55%	3.61%	12 month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
12 month IRA share certificate	3.55%	3.61%	12 month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
24 month share certificate	3.50%	3.56%	24 month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
36 month share certificate	3.50%	3.56%	36 month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
48 month share certificate	3.50%	3.56%	48 month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
60 month share certificate	3.50%	3.56%	60 month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
24 month IRA share certificate	3.50%	3.56%	24 month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
6 month share certificate	3.44%	3.50%	6 month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Picatinny Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.35%	0.35%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Money Market	0.30%	0.30%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Money Market	0.15%	0.15%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Picatinny Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
3/1 Year ARM	5.63%	-	6.18%	30 years
Details Consumer Handbook; Disclosures Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
5/1 Year ARM	5.88%	-	6.20%	30 years
Details Consumer Handbook; Disclosures Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
7/1 Year ARM	6.00%	-	6.23%	30 years
Details Consumer Handbook; Disclosures Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
10/1 Year ARM	6.13%	-	6.29%	30 years
Details Consumer Handbook; Disclosures Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Picatinny Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC First Lien	-	-	6.50%	30 years \| 15 year draw down period \| 15 year repayment period
Details As Low As; maximum $350,000 up to 80% LTV/CLTV Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Home Equity HELOC	-	-	6.50%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
HELOC Second Lien	-	-	6.75%	30 years \| 15 year draw down period \| 15 year repayment period
Details As Low As; maximum $350,000 up to 80% LTV/CLTV Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Home Equity Line of Credit (HELOC)	-	-	6.75%	15 years
Details Introductory Rate for the first six months. After introductory period, adjusts to Prime + a margin ranging from -0.25% to 0.375%. Variable APR based on Prime Rate (6.75% as of 12/11/25). Maximum term is 30 years (15-year draw, 15-year repayment). Closing costs paid by PFCU up to $249,900 but must be repaid if closed within 12 months. For LTVs over 80%, limit is $250,000 with DTI, credit score, and other restrictions. Rates vary for LTV over 80%. Max Line of $350,000. Applicant responsible for Title and Review Attorney Fees for loans over $249,900. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
HELOC LTV/CLTV >80%	-	-	8.00%	30 years/15 year draw down period followed by 15 year repayment period
Details As Low As; LTV/CLTV>80% to 100%; maximum $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Picatinny Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.99%
Details As Low As; for new vehicles Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
New Vehicle (car, truck, van) Loan	-	-	4.99%	up to 36 months
Details As Low As; up to 100% of purchase price, including sales tax Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
New Vehicle (car, truck, van) Loan	-	-	5.00%	up to 48 months
Details As Low As; up to 100% of purchase price, including sales tax Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
New Auto	-	-	5.25%	60 months
Details Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Loan Rates as of 3/4/26. Actual rates may vary on New & Used Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and Terms are subject to change at any time. Different terms may be available for 10 model year vehicles. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors. Offer valid for a limited time and subject to change without notice. To qualify for the 0.25% APR discount, you must set up automatic payments from a Picatinny Federal Credit Union savings or checking account at the time of loan origination. All loans are subject to credit approval and membership eligibility. Rates, terms, and conditions may vary based on creditworthiness and other factors. Additional restrictions may apply. Contact Picatinny Federal Credit Union for complete details. Rates include 0.25% reduction off the standard auto loan interest rate with automatic payments made from your Picatinny Federal Credit Union account. The rate without automatic payments will be higher. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
New Vehicle (car, truck, van) Loan	-	-	5.25%	up to 60 months
Details As Low As; up to 100% of purchase price, including sales tax Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Used Vehicle (car, truck, van) Loan	-	-	5.50%	up to 48 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Used Auto	-	-	5.74%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Used Vehicle (car, truck, van) Loan	-	-	5.74%	up to 36 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Used Auto	-	-	5.75%	60 months
Details Rates and terms are subject to change at any time. The actual rate may vary based upon creditworthiness and underwriting policies. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Loan Rates as of 3/4/26. Actual rates may vary on New & Used Vehicle Loan Products. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and Terms are subject to change at any time. Different terms may be available for 10 model year vehicles. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Please call the credit union for the most up to date rate information. Not responsible for typographical errors. Offer valid for a limited time and subject to change without notice. To qualify for the 0.25% APR discount, you must set up automatic payments from a Picatinny Federal Credit Union savings or checking account at the time of loan origination. All loans are subject to credit approval and membership eligibility. Rates, terms, and conditions may vary based on creditworthiness and other factors. Additional restrictions may apply. Contact Picatinny Federal Credit Union for complete details. Rates include 0.25% reduction off the standard auto loan interest rate with automatic payments made from your Picatinny Federal Credit Union account. The rate without automatic payments will be higher. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Used Vehicle (car, truck, van) Loan	-	-	5.75%	up to 60 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
New Vehicle (car, truck, van) Loan	-	-	6.00%	up to 72 months
Details As Low As; up to 100% of purchase price, including sales tax Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
First Time Auto Buying	-	-	6.25%	60 months
Details The rates and terms of the offer are subject to change at any time. Program underwriting guidelines must be met for loan approval. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. Contact the credit union for more details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Used Vehicle (car, truck, van) Loan	-	-	6.50%	up to 72 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
New Vehicle (car, truck, van) Loan	-	-	7.25%	up to 84 months
Details As Low As; up to 100% of purchase price, including sales tax Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
New Vehicle (car, truck, van) Loan	-	-	7.75%	up to 96 months
Details As Low As; up to 100% of purchase price, including sales tax Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Used Vehicle (car, truck, van) Loan	-	-	8.00%	up to 84 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Picatinny Federal Credit Union Credit Card Rates

Product	Rate	APR
Premium Rewards Credit Card	-	0.00%
Details Intro rate expires: 12 months; Regular APR: 15.24% - 18.00%; Earn 20,000 reward points after spending $1,000 on qualifying purchases within 60 days of account opening. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Credit Cards	-	15.24%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Premium Rewards Visa Credit Card	-	15.24%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Premium Rewards Visa Credit Card	-	15.74%
Details Intro rate expires: 12 billing cycles; Regular APR: 15.74% - 18.00%. Loan Rates as of 9/18/25. Applicants are subject to credit approval and PFCU underwriting guidelines. Actual rates term and amount may vary on Personal Loan Products. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, other deposit and loan products, you must open a savings account with a minimum deposit of $5.00. The variable rate will be based on PFCU's underwriting guidelines and your creditworthiness. The APR will vary with the market and is based on the Prime Rate. uChoose® Rewards Points will be earned starting with the first purchase you make with the Premium Rewards card. Rewards points will only be earned on purchases and not balance transfers or cash advances. This offer does not include cash advances, balance transfers or ATM withdrawals. 20,000 uChoose Rewards points will only be applied to Premium Rewards cardholders after spending $1,000 in the first 60 days of card opening. Currently 1 uChoose Rewards® point equals $0.009 for Pay with Points and cash back. All offers and terms are subject to change at any time. New members must open a savings account with a minimum deposit of $5 to begin their credit union membership. Actual rates may vary on Personal Loan Products. Please call the credit union for the most up to date rate information. Not responsible for typographical errors. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Picatinny Federal Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	8.99%
Details total not to exceed $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Personal Loan	-	10.24%
Details total not to exceed $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Personal Loan	-	11.24%
Details total not to exceed $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Personal Loan	-	12.24%
Details total not to exceed $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%
Personal Loan	-	13.24%
Details total not to exceed $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.60%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Picatinny Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Picatinny Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Picatinny Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Picatinny Federal Credit Union

Website https://www.picacreditunion.com

Address 100 Mineral Springs RD, Dover, NJ 07801

Phone 973-361-5225

Fax 973-361-8850

President Joe Shiposh

CEO Rob Albrecht

Full-Time Employees 65

Part-Time Employees 0

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.60%

Return on Assets (ROA)

0.5116%

Return on Equity (ROE)

5.6959%

Non-Performing Loans Ratio (NPL)

0.43%

Total Assets

462,594,485

Total Amount of Shares and Deposits

389,146,413

Total Shares and Deposits < 1 Year

365,850,253

Total Shares and Deposits 1 3 Years

19,529,689

Total Shares and Deposits > 3 Years

3,766,471

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

30,871,986

Total Uninsured Shares and Deposits > $250K (F+J)

30,871,986

Total Insured Shares and Deposits > $250K (item 17 less item K)

358,274,427

Total Interest Expense (Sum of items 6 8)

2,982,065

Share Certificates

2,351

Number of Accounts for Share Drafts

12,526

IRA KEOGH Accounts

742

Number of Accounts for Regular Shares

20,945

Money Market Shares

385

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

71,626,025

Total Liabilities

422,389,402

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Picatinny Federal Credit Union

How many branches does Picatinny Federal Credit Union operate?

Picatinny Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Picatinny Federal Credit Union?

Yes, to access services at Picatinny Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Picatinny Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Picatinny Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Picatinny Federal Credit Union offer online and mobile banking?

Most modern institutions like Picatinny Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.picacreditunion.com.